中国村镇银行发展问题研究  

The Research of Issues in Chinese Rural Bank Development

作　　者：李颖[1] 王颖[1] 

机构地区：[1]上海海洋大学,上海201306

出　　处：《中国农学通报》2013年第17期110-115,共6页Chinese Agricultural Science Bulletin

基　　金：教学改革研究(A-2600-12-0010)

摘　　要：村镇银行作为一种新型农村金融机构,给当地农户及涉农企业带来了融资帮助、填补中国农村金融的空白,同时也在发展中存在一定障碍。以中国村镇银行现状和吉林省3家村镇银行发展情况为背景,分析了村镇银行在发展中存在的问题,包括资金来源不足、规模小、发起人难找、金融生态环境欠佳、贷款风险高等问题,并提出加大政策扶持力度、壮大经营规模、完善法人建设等解决对策。As a new rural financial institutions business, the rural bank was helpful to peasants and rural corporate in financing and filling the vacancy of Chinese rural finance. But there was also some hurdles in the development of rural bank. On the base of present state of Chinese rural financial and three rural banks in Jilin Province, the paper had analyzed the impediment as shortage of finance resources, small-scale, promoters hard to find, poor rural financial environment, high risk for loaning, etc. In the meantime, put forward series of development countermeasures as enlarging policy support dynamics, expanding the scale of operation, improving building of corporation, and so on

关 键 词：村镇银行 发展障碍 解决对策 

分 类 号：F832.35[经济管理—金融学]